The entity's first transfer, $2,357.31, above the program median, came 0.0 hours after verification.

What happened. An alert fired for rapid_onboarding on transfer acht_sim_lant_59yo4ag6ckh, a $2,357.31 ACH outgoing credit from entity Grove Co 36 in the Lantern Lending program. The transfer was the entity's first, occurred 0.0 hours after verification, and exceeded the program median of $1,134.16. What the evidence shows. The transfer has settled with no return code, indicating no rail-level failure. The entity is a verified US business, not high risk, not PEP, with no open review reasons and screening current as of 2026-06-28. Signals attached to the transfer are counterparty.first_time and counterparty.first_time_and_large, both expected outcomes of a first transaction exceeding the median. The detector's own hard_signal flag is false, and the transfer/entity score bands are unscored due to n=1, so no statistical confidence can be assigned. Program KRIs show no elevated risk: frozen_accounts, overdraft_events, stale_screening_share, high_risk_entity_share, and verification_denial_rate are all in normal ('ok') range; pep_flagged_entities is at 'watch' but this entity is not PEP-flagged. Several KRIs (hold_aging_hours, manual_review_rate, velocity_vs_declared, etc.) are unmeasured (n=0), limiting broader context. There are no prior dispositions on this entity or transfer. What was checked. Transfer status and return code, entity verification status and screening date, program declared volume versus transfer size, program KRIs for elevated risk indicators, and prior disposition history. What is recommended. The transfer has already settled, so there is no held position to release or continue holding. The amount is modestly above median for a first transaction from a verified, non-high-risk US business with current screening, and no other red flags (high risk, PEP, adverse review reasons, prior alerts) are present. The evidence does not indicate a pattern requiring escalation, only a single data point (n=1) with an unscored band. This can be closed, with the caveat that confidence is limited by the single-transaction sample and null scoring.

{
  "n": 1,
  "band": "unscored",
  "skoor": null,
  "typology": "rapid_onboarding",
  "confidence": null,
  "thresholds": {
    "hours": 24
  },
  "medianCents": "113416",
  "routeReason": "detector not auto-closable",
  "hoursSinceVerification": 0
}